Credit Cards for Bad Credit and Prepaid Cards

Having trouble getting approved for a new credit card? Looking for credit cards for bad credit?

These credit cards and prepaid cards are specifically designed for people with less than perfect credit. If you have a poor credit history, limited credit history, or no credit history at all, we'll help you find the perfect card for your needs. The credit card products on this page can help you build, rebuild or reestablish your credit history if you maintain all balances below your credit limits and make minimum payments on time.

Bad credit credit cards are for consumers with a credit score below 650 (Don't know your credit score?). Try our Fair Credit Credit Cards section if you think your credit is too good for Bad Credit credit cards, but not quite good enough for Good Credit credit cards.

UK Residents: Visit our UK Bad Credit section

Orchard Bank® Visa® Cards
For Bad or Fair Credit to Help Rebuild Credit

orchard bank visa card for fair credit
  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
  • Acceptance at millions of locations including website purchases and reservations
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
7.90%-28.90% $0-$39 $35-$79 Yes Bad or Fair Credit

Orchard Bank® Classic MasterCard®
For Bad or Fair Credit to Help Rebuild Credit

orchard bank
  • An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
7.90%-28.90% $0-$39 $35-$79 Yes Bad or Fair Credit

Centennial® Classic Credit Card

  • Monthly reporting to major Consumer Reporting Agencies
  • Even if you don't have the best credit
  • Reasonable credit limit that can help you spend smarter (subject to available credit)
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
See website See website See website Yes Bad Credit

First PREMIER® Bank Secured Credit Card

first premier secured credit card
  • Reports monthly to the major Consumer Reporting Agencies
  • You establish your credit limit - From $200 minimum up to $5,000!
  • No credit history required to apply for this credit card
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
See website See website See website Yes Bad Credit

Aventium® Classic Credit Card
For People with Bad Credit

aventium classic credit card for damaged credit
  • Bad credit? Apply now!
  • May be able to help build, rebuild, or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits
  • Reports monthly to the major Consumer Reporting Agencies
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
See website See website See website Yes Bad Credit

Capital One® Secured Mastercard®

Capital One Secured Mastercard
  • Automatic reporting to the 3 major credit bureaus
  • Get on the road to credit
  • You may qualify for credit line increases with no further security deposit required
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8% variable $0 $24.00 Yes Bad Credit OK

Capital One® Secured Mastercard® for Young Adults

Capital One Secured for Young Adults
  • Get on the road to credit
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8% variable $0 $24.00 Yes Bad Credit OK

First PREMIER® Bank Classic Credit Card
For People with Bad Credit

first premier bank classic card for damaged credit
  • Your second chance for a credit card is our business
  • Join nearly 3 million credit cardholders
  • Don't be held back by past credit card struggles. A credit card isn't beyond your reach.
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
See website See website See website Yes Bad Credit

The Prepaid Baby Phat Rushcard

prepaid baby phat rushcard
  • Everyone Approved*
  • Free direct deposit of tax refunds, anticipation loans, and paychecks
  • Free Credit Builder!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $19.95 $0 No Bad Credit OK

AccountNow® Prepaid Visa® with Free Credit Builder

accountnow prepaid visa card
  • Instant Guaranteed Approval* – no credit check, no security deposit
  • No Overdraft Fees – no minimum balance required
  • Free Credit Builder† – bill pay transactions are reported to PRBC®
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $119.40 Yes Bad Credit OK

AccountNow® Prepaid MasterCard® - With Free Credit Builder Services

prepaid debit card, accountnow
  • Reloadable - $10,000 balance limit
  • $0 ACTIVATION FEE – when you load your card by direct deposit
  • Build your credit history with iAdvance® Line of Credit
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $119.40 Yes Bad Credit OK

Vision Premier® Prepaid Visa® Card

vision prepaid visa
  • Guaranteed Approval*, No Credit Checks!
  • NO overdraft fees or interest charges
  • Low weekly fee is waived with Direct Deposit
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $29.95 $0 No Bad Credit OK

Green Dot® Prepaid MasterCard

green dot prepaid card
  • FREE Activation Online - and NO Credit Checks!
  • FREE Online Bill Pay and Online Access
  • NO Monthly Fees when you make at least 30 transactions in a given month OR load at least $1,000
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $4.95 $71.40 No Bad Credit OK

Centennial® Secured Credit Card

first premier centennial secured credit card
  • Your account activity reports monthly to the major Consumer Reporting Agencies
  • No credit history required
  • This is a real credit card - not a prepaid or debit card
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
See website See website See website Yes Bad Credit

Discover® Student Clear Student Credit Card

  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 No

Discover® Student Credit Card

  • No Annual Fee
  • Up to 5% rebate
  • Online Bill Payment
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 No

Discover® Student Tropical Beach Student Credit Card

  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 No

The Prepaid Visa Rushcard

prepaid visa rushcard
  • Everyone Approved*
  • Free direct deposit of tax refunds, anticipation loans, and paychecks
  • Free Credit Builder!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $19.95 $0 No Bad Credit OK

Wired Plastic Prepaid Debit Card

Wired Plastic prepaid card
  • No credit checks, no income requirements, no bank account required
  • No bounced check, NSF, or overdraft fees - EVER!
  • FREE rewards program, rewarding you with 1 point per $1 spent
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $39.95 No Bad Credit OK

Horizon Gold Card
Bad Credit / Subprime Card

horizon gold credit card for bad credit
  • Bad credit accepted
  • Guaranteed approval - No employment check!
  • Reports to major credit bureaus, could help improve your credit score
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a n/a n/a Yes Bad Credit OK

Public Savings Bank Visa Card

credit card for bad credit, builds good credit
  • 0% interest on purchases for 6 months
  • Credit limit up to $5,000!
  • Build/Rebuild credit history - Reports to all 3 major credit bureaus
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
11.24% $75.00 $0 Yes Bad Credit OK

Pex Card for Businesses

pex visa card for businesses
  • Have more control over employee spending
  • No credit check required
  • No transaction or load fees - simple pricing
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $49.95 n/a No Bad Credit OK

SilverCard Prepaid MasterCard®

silvercard prepaid mastercard
  • No credit checks - Guaranteed 100% approval!
  • Free unlimited transactions
  • No overdraft fees or interest charges
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $47.40 No Bad Credit OK

NetSpend Prepaid Debit Card

netspend prepaid debit card
  • 100% Approval: No credit checks, No interest charges, No overdraft fees, No debt incurred
  • Earn 5% APY on your money with the NetSpend Savings Plan
  • Easy to load: free direct deposit, free Paypal, free bank transfers, and many more options
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $9.95 $119.40 No Bad Credit OK

Platinum Zero™ Secured Visa® Credit Card
0% Interest on Purchases!

platinum zero secured credit card no interest
  • 0% interest on purchases, even if you have bad credit!
  • Reports monthly to the credit bureaus
  • $0 application fee, only $9.95 per month
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
0% $0 $119.40 Yes Bad Credit OK

Card for
Bad Credit


Centennial® Classic Credit Card

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